Alland UE Diary

[alland]

Re: Alland UE Diary

Update 05-02-12

Update 02-01-12
RBS Mint Card (UE)
Balance £7,058
Last Paid June 2010
Defaulted September 2010
Passed around various DCA's currently with Wescot

29th November 2010 -Letter from Wescot once again stating that RBS have fully complied with my S78 request, and therefore there is no dispute, so I must contact them to arrange a suitable repayment plan.
This was followed up on the 14th December by a letter from Nelson Guest & Partners (Wescots pet solicitors) advising me to contact Wescot to discuss a repayment plan as there is “still time” to act to avoid further action taking place.

Following the letter from Nelson Guest & Partners, I sent the "Threat of Legal Action" template to them, I did not hear anything further from them.

27th January 2012 - Recieved letter from Wescot which also included a copy of my CCA & a copy of the T&C (both of which I have received before) Once again they insist that having contacted their client RBS, they have fully complied with my CCA request under section 78, as the attached CCA copy proves.
Therefore there is no dispute and I should contact them to make an suitable offer of payment within 14 days.

[alland]

Re: Alland UE Diary

Update 05-02-12
Lloyds TSB Visa
Balance £12,837.32
Last payment May 2010
Defaulted Sept.2010

Not heard anything from LTSB or a DCA since a usual "pay or else" letter from Apex Credit Management back November 2011, I responded with "Account in dispute" template and did not hear anything else from them.

28th January 2012 - A statement of account from LTSB, just shows outstanding balance and says no interest is being added to the account and any payments made will be used to reduce the balance until it is paid off.

Strange thing is there is no demand for payment mentioned, and it is on LTSB headed notepaper and shows the registered office details of LTSB across the bottom, but the name & address on top for responding is actually Apex Credit Management office in Stratford upon Avon.
Maybe LTSB and Apex are one and the same ?

[alland]

Re: Alland UE Diary

Update 12-02-12

Update 02-01-12
Co-op Bank Visa (UE)
Balance £12,222
Last paid March 2010
Defaulted July 2010
Still owned by OC, but passed around various DCA's, latest being Equidebt, who have been writing to me under different guises since July 2011.

8th December 2011 -Letter from Credit Ancillary Services (Part of Equidebt)
"We have been instructed by Equidebt (but you are Equidebt !)
to collect upon this outstanding debt, we would encourage you to contact us immediately to set up a repayment plan, Continued non – payment of this account may adversely affect your credit rating (no shit !)

This letter was followed up on the 20 December by another one –

“Settlement Offer” Our client has authorised a one-off settlement discount on your account of - “An agreed Amount” ? (does not say what that amount is)
Call us now, this offer is open for 7 days and can be paid over a period of 6 months.
If you cannot pay immediately, we may be able to offer you a different arrangement over a longer period. Note ALL offers will be considered.

Look like the Equidebt the last DCA to be writing to me on this account have given up on me, as I have now received a letter from Lewis Debt Recovery who say they are now acting on behalf of the Co-op for recovery of the debt.

Not had any dealings with this outfit before, so I will start the whole process again by sending them the "Account in Dispute" template

[alland]

Re: Alland UE Diary

Update 25-02-12

Update 05-02-12
Lloyds TSB Visa
Balance £12,837.32
Last payment May 2010
Defaulted Sept.2010

Not heard anything from LTSB or a DCA since a usual "pay or else" letter from Apex Credit Management back November 2011, I responded with "Account in dispute" template and did not hear anything else from them.

28th January 2012 - A statement of account from LTSB, just shows outstanding balance and says no interest is being added to the account and any payments made will be used to reduce the balance until it is paid off.

Strange thing is there is no demand for payment mentioned, and it is on LTSB headed notepaper and shows the registered office details of LTSB across the bottom, but the name & address on top for responding is actually Apex Credit Management office in Stratford upon Avon.
Maybe LTSB and Apex are one and the same ?

25th Feb. Another Letter received from Apex Credit Management.

Following my "Account in Dispute letter" to them, they have finally replied with the following-

"We note your legal arguments, but unfortunately cannot agree.
The client Lloyds Banking Group have requested that you contact them directly to request an update on the dispute.
We confirm that we have placed the account on hold and you will not receive any further contact from us for 28 days to allow time for you to contact the client"

I have corresponded with the various template letters to Lloyds regarding a UE CCA during 2010/2011, so there is little point of contacting them again. So I suppose I will just have to sit this one out and see what level Apex plan to take it to next

[Deepie]

Re: Alland UE Diary

Update 25-02-12



25th Feb. Another Letter received from Apex Credit Management.

Following my "Account in Dispute letter" to them, they have finally replied with the following-

"We note your legal arguments, but unfortunately cannot agree.
The client Lloyds Banking Group have requested that you contact them directly to request an update on the dispute.
We confirm that we have placed the account on hold and you will not receive any further contact from us for 28 days to allow time for you to contact the client"

I have corresponded with the various template letters to Lloyds regarding a UE CCA during 2010/2011, so there is little point of contacting them again. So I suppose I will just have to sit this one out and see what level Apex plan to take it to next

enjoy the peace and quiet Alland.........

[alland]

Re: Alland UE Diary

Update 25-02-12

Update 02-01-12
Capitol One Card (UE)
Balance £4,202Last Paid April 2010
Defaulted August 2010
Account passed around a couple of DCA's, but now owned by Cabot

9th December - Another letter received from Cabot insisting the Capitol One credit application form and T&C are fully compliant and the account is enforcable, so this matter cannot continue to go on, I must contact one of their helpful customer advisers to discuss the options for repayment of this debt !

Send this mate - and be done with it - simples

---> Final Response - Unenforceability (CCA Received)

25 Feb. another letter received from Cabot -

"According to our records you currently owe £4202.13, even though we have made repeated attempts to obtain your commitment to repay this debt. It is now vital that you contact us urgently to discuss your account. If you don't contact us to agree a suitable repayment plan we will have to move your account to the next stage of our collection process".

Obviously they do not read (or just plainly ignore) all the UE CCA/account in dispute correspondence I have repeatedly sent to them !

[alland]

Re: Alland UE Diary

enjoy the peace and quiet Alland.........

Thanks I2D, The peace and quiet will be a bit longer than 28 days because I leave for work overseas in mid March for 5 weeks.

Maybe I should write back and tell Apex not to waste their time writing again until at least the end of April ?
.....Nah..

[Deepie]

Re: Alland UE Diary

How you doing with your Monument Visa ?

[alland]

Re: Alland UE Diary

How you doing with your Monument Visa ?

Actually I2D, I had almost forgotten about Monument, so much so I just had to look right back through my folders to remind myself where it's at.

Monument sold it to a DCA outfit called CompUcredit back in late 2010, I sent them the usual "account in dispute" letter re UE CCA, and the next thing I heard was in late Jan 2011, which was a letter from Monument stating that they had complied with my CCA request. (All I actually received was an application type reply card and a set of standard T&C)

And since then I have not heard from Monument or CompUcredit, so I don't actually know who currently owns the debt !
I know Barclaycard took over Monument accounts, but never had any word from them.

As nobody is harassing me, I'll just keep my head down and hope for the best on this one....

[Deepie]

Re: Alland UE Diary

Thanks Alland ......sounds familiar at work so rushing around

[alland]

Re: Alland UE Diary

Update 15-03-12

RBS Mint Card (UE)
Balance£7,058
Last Paid June 2010
Defaulted September 2010

Passed around various DCA's currently with Wescot who have had the account since September 2011, and seem to be hanging on to it despite a number of letters back and forth where I insist the account is in default with RBS

10-01-12 another letter from Wescot once again stating that RBS have fully complied with my S78 request, and therefore there is no dispute, so I must contact them to arrange a suitable repayment plan.

This was followed up on the 14th December by a letter from Nelson Guest & Partners (Wescots pet solicitors) advising me to contact Wescot to discuss a repayment plan as there is “still time” to act to avoid further action taking place.

Following the letter from Nelson Guest & Partners, I sent the "Threat of Legal Action" template to them, I did not hear anything further from them.

27-01-2012 - Recieved letter from Wescot which also included a copy of my CCA & a copy of the T&C (both of which I have received before) Once again they insist that having contacted their client RBS, they have fully complied with my CCA request under section 78, as the attached CCA copy proves.
Therefore there is no dispute and I should contact them to make an suitable offer of payment within 14 days.

15-03-12 Another letter received from Nelson Guest & Partners Solicitors. Stating that "Unless Wescot receive payment within 7 days they may be insructed to commence legal action for recovery. In the event of judgment being obtained,we shall seek all fixed costs and fees together with statutory interest on the outstanding balance".

Nelson Guest have already had the threat of Litigation template, not sure how I can respond to this latest threat other than repeat myself.

The problem I have with this is, in a few days I leave the UK for 5 weeks work overseas, I don't really want to come back and find a judgment has been obtained without me having had the chance to respond with a defence.

[Deepie]

Re: Alland UE Diary


Send them this but don't send until the day before you leave------------> Threat by Creditor - Enough is Enough Response

[alland]

Re: Alland UE Diary

I2D, having had a look at the templates, It did cross my mind that it could be good response, at the very least it may force them to think about it a while longer.

[alland]

Re: Alland UE Diary

Thanks FP, just been looking back at my files, and sure enough Nelson Guest the dynamic duo (good name..) also wrote to me about another of my RBS/Wescot accounts last year, On that occasion only one "account in dispute" letter was required to see them off

But a little more worrying this time round, this is the second letter from them in reference to this account!

I have also had Wescot on the scene with a couple of my other creditors, and they have gone off in search of easier targets after only a couple of letters, but they are sure being stubborn with my RBS Mint account for some reason, maybe they are digging their heals in because they are afraid of losing RBS business if they don't get enough results.?

[alland]

Re: Alland UE Diary

Update 05-05-12

As my diary was way down on page 5, I thought I would do a bit of an update to bring it back up again. After working overseas for 5 weeks it was a pleasant surprise to come home to find very few letters from the DCA's.
Just a couple that need addrssing...

Capitol One Card (UE)
Balance £4,202Last Paid April 2010
Defaulted August 2010
Account passed around a couple of DCA's, but now owned by Cabot

9th December 2011- Another letter received from Cabot insisting the Capitol One credit application form and T&C are fully compliant and the account is enforcable, so this matter cannot continue to go on, I must contact one of their helpful customer advisers to discuss the options for repayment of this debt !
3rd April 2012 - Letter from Cabot,insisting once again that they have fully complied with my s77/78 request by providing the correct documentation.
I responded and advised them that an application form that does not encompass all the T&C is not a compliant CCA, so I still consider the account in dispute.
16th April 2012 Letter from Cabot stating "Last chance to agree a suitable repayment plan before we move your account to our Pre Litigation Dept"
2 May 2012 Letter from Cabot - " You account has now been escalated to our Pre Litigation Dept. If we don't hear from you, we will make a decision on what the next stage of recovery to pursue, this could be County Court Judgment, Charging order on your property, attachment of earnings order, Order to Obtain Information - you may have to attend court to be questioned under oath by a court officer..
Alternatively we may instruct an External Debt Collection Agency or Legal Agency to call on you"

Judging by the rapid response by Cabot in replying to my letters, it looks like they are digging their heels in on this one and moving fast through each stage, so not sure what my next move will be yet....